Letter of explanation to address any gaps of employment over 30 days in the last 2 years

If alimony and/or child support payments are to be considered for income, provide a copy of the divorce decree or court order along with documents showing evidence of receipt of payments for most recent 6 months and continuance for next 3 years

For non-employed sources of income, provide pension statements, awards letters or other appropriate documentation to support income

ASSET INFORMATION

Most recent two months statements (all pages) for all checking, savings and money market accounts

If any of the current real estate owned will be rented out after the close of this loan, provide:

Signed copy of rental agreement showing monthly rent and a minimum 12 month term of lease

Evidence of receipt of security deposit and/or first month’s rent

LIABILITIES

List of all outstanding loans and credit cards including balance and monthly payment

Copy of student loan statements, if applicable

If currently paying child support or alimony, copy of divorce decree or court order

If you have applied with another lender/creditor for credit in the last 120 days, provide a letter of explanation

If any new debt was obtained, provide a copy of the loan documents

BANKRUPTCY

Copies of full bankruptcy papers including all schedules and discharge letter

SALES CONTRACT

If you will be purchasing a home, provide the completed and signed sales contract and all addendum

Name and number of homeowner’s insurance agent

IDENTIFICATION

Valid driver’s license or other valid government photo identification

Valid U.S. military ID

Valid resident alien card, if applicable

Valid passport and visa, if applicable

VA LOAN APPLICANTS

Military discharge papers (Form DD214)

Certificate of Eligibility

Loan Inquiry

Purchase Refinance

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